Compare refinancing or consolidating business loans, overdrafts, merchant facilities, ATO debt and other commitments where the new structure genuinely improves the position.
A business was losing cash flow across several expensive facilities. We consolidated the balances into one structured repayment, releasing monthly cash flow before the next payment cycle.
A lower rate can still be worse if fees, term extension or security costs outweigh the benefit.
| Check | Why |
|---|---|
| Current payout balances | Know what actually has to be refinanced. |
| Monthly cash-flow effect | Compare repayments before and after. |
| Total term and cost | A longer term can reduce repayments but increase total cost. |
| Security and guarantees | Do not trade short-term relief for disproportionate security risk. |
Some lenders may refinance tax debt or consider it within a broader restructure. The ATO status, conduct, lodgements and serviceability are important.
Potentially, depending on payout figures, cash flow, lender policy and whether the new structure materially improves the business position.
Start with the amount, purpose and business profile.